Aflac Incorporated (AFL)vsCNO Financial Group Inc (CNO)
AFL
Aflac Incorporated
$115.28
+0.71%
FINANCIAL SERVICES · Cap: $57.79B
CNO
CNO Financial Group Inc
$54.94
-0.16%
FINANCIAL SERVICES · Cap: $5.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Aflac Incorporated generates 289% more annual revenue ($18.07B vs $4.65B). AFL leads profitability with a 26.9% profit margin vs 6.0%. AFL appears more attractively valued with a PEG of 1.18. AFL earns a higher WallStSmart Score of 73/100 (B).
AFL
Strong Buy73
out of 100
Grade: B
CNO
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Large-cap with strong market position
Keeps 27 of every $100 in revenue as profit
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 25.7%
Reasonable price relative to book value
Earnings expanding 46.2% YoY
Areas to Watch
Grey zone — moderate risk
Revenue declined 1.0%
6.0% margin — thin
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : AFL
The strongest argument for AFL centers on Market Cap, Profit Margin, Debt/Equity. Profitability is solid with margins at 26.9% and operating margin at 25.7%. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bull Case : CNO
The strongest argument for CNO centers on Price/Book, EPS Growth. Revenue growth of 11.6% demonstrates continued momentum. PEG of 1.29 suggests the stock is reasonably priced for its growth.
Bear Case : AFL
The primary concerns for AFL are Altman Z-Score, Revenue Growth.
Bear Case : CNO
The primary concerns for CNO are Profit Margin, Debt/Equity, Altman Z-Score. Debt-to-equity of 1.76 is elevated, increasing financial risk.
Key Dynamics to Monitor
AFL profiles as a declining stock while CNO is a value play — different risk/reward profiles.
CNO carries more volatility with a beta of 0.81 — expect wider price swings.
CNO is growing revenue faster at 11.6% — sustainability is the question.
CNO generates stronger free cash flow (157M), providing more financial flexibility.
Bottom Line
AFL scores higher overall (73/100 vs 72/100), backed by strong 26.9% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Aflac Incorporated
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Aflac Inc. (American Family Life Assurance Company) is an American insurance company and is the largest provider of supplemental insurance in the United States.
CNO Financial Group Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.
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